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    • If you are buying a used car – you need to read this survival guide.
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 162 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

Budget planners - any recommendations?


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In a bid to keep my finances in check I am looking for a good budget planner, can anyone recommend one? I'm in a debt management plan and would like to try to save for my wedding too. I've found this one from Vanquis, but has anyone got any others they would recommend?

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I've got my budget planned on there but obviously I can't change that each pay day to help with meal plans or to help me remember to save for my MOT for month x or my parking permit etc. Also the budget only covers my salary etc not my OH.

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I have just drawn up a monthly budget planner Lilla and put a link into my signature. If you would like to give that a go and tell me if there is anything extra to

what I have done that you would like in it, then just say. I will put the link here as well.

 

 

Monthly Budget Planner

Edited by Conniff
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lila, I am a little unhappy at the amount of links you are making to Vanquis. I am therefore unapproving those that carry links to that company :)

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PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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We've already done so within this very thread. One from me and one from my good friend Coniff. The one I've posted up complies with the industry standard and should be universally accepted by creditors.

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Vanquis attract customers by only telling half truths, "You can repair your credit score by having one of our cards", that's just half a truth, you can do the same with any extended credit agreement that you make payments on. If you never miss a payment, that helps your score, but it don't over-ride the ccj's or defaults that might also be their.

 

So you can see that their only motive is to attract customers who are finding it difficult to get a CC because of their score, and then whop on a huge interest rate. They have no interest in your credit score, just making extra money from those that can least afford it.

 

Those with nothing are easiest to get money out of.

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